Belmont Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 185.32 percentage points higher than in Q1 2026, at 297.37%. Within Illinois, Belmont Bank & Trust Company is 117th of 323 on return on assets, 1.39% as of Q2 2026, above the middle of the field. Belmont Bank & Trust Company reported 1.39% on return on assets for Q2 2026, 0.12 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.68% |
| Tier 1 risk-based capital ratio | 15.68% |
| Total risk-based capital ratio | 16.86% |
| Tier 1 leverage ratio | 11.87% |
| Equity capital to assets | 10.82% |
| Tangible equity to tangible assets | 10.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 2.54% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 297.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 13.02% |
| Net interest margin | 4.08% |
| Efficiency ratio | 50.61% |
| Yield on earning assets | 6.28% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.31% |
| Core deposits to total deposits | 78.55% |
| Brokered deposits to total deposits | 15.69% |
| Deposits to assets | 88.07% |
| Securities to assets | 14.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.52% | 15.52% | 16.68% | 11.87% | 1.39% |
| Q4 2023 | 15.93% | 15.93% | 17.08% | 12.16% | 1.36% |
| Q1 2024 | 16.33% | 16.33% | 17.48% | 12.49% | 1.23% |
| Q2 2024 | 16.57% | 16.57% | 17.71% | 12.84% | 1.18% |
| Q3 2024 | 16.40% | 16.40% | 17.53% | 12.95% | 1.22% |
| Q4 2024 | 15.50% | 15.50% | 16.63% | 11.98% | 1.25% |
| Q1 2025 | 15.39% | 15.39% | 16.51% | 12.20% | 1.33% |
| Q2 2025 | 15.84% | 15.84% | 16.97% | 12.40% | 1.36% |
| Q3 2025 | 15.07% | 15.07% | 16.18% | 11.69% | 1.39% |
| Q4 2025 | 14.88% | 14.88% | 16.04% | 11.13% | 1.52% |
| Q1 2026 | 15.68% | 15.68% | 16.87% | 11.49% | 1.41% |
| Q2 2026 | 15.68% | 15.68% | 16.86% | 11.87% | 1.39% |
Belmont Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Belmont Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Belmont Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58165) · FFIEC NIC profile (RSSD 3391718)